Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$682,346Cash toward the purchase price.
Closing costs + prepaids$26,859Not just lender fees.
Before credits & paid funds$709,205The complete starting cash picture.
Estimated remaining funds due at closing
$709,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$682,345.72
Your down payment$682,345.72
Closing costs + prepaids$26,858.98
Total buyer cash needed$709,204.70
Remaining funds due$709,204.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$13,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,213.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,312.50
Prepaid interest, first (18 days)$865.21
Fees + prepaids$26,858.98
Your down payment is the seller’s equity. You take over the $642,654 balance, so the rest of the $1,325,000 price is paid at closing. A second mortgage can cover part of it. $709,204.70 is due at closing. Uses and sources reconcile at $1,351,858.98 each. Not a Closing Disclosure.